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    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
    • At a key lecture in the City of London, the shadow chancellor will also vow to reform the Treasury.View the full article
    • Despite controversy China's Temu is becoming a global online shopping force.View the full article
    • The retailer has come under fire for an advert showing motorcyclists wearing trainers and doing wheelies.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Some advice about Welcome Car Finance Please


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Right, after much faffing about I managed to get into my credit report. Welcome have defaulted me, so I guess it's a case of getting CCA and SAR in now to see what information they claim to have sent me. Interestingly enough on that comment you made about have to default me before they send account to DCA - does that apply to personal loans from the likes of Provident? Only I have had a DCA on my back over them, yet they do not appear to have defaulted me??? Off topic I know, but just wondered if you'd know.

 

Edited to add that amount of default is £20 more than the solicitors are claiming I owe.

Edited by rubyrox73
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hi ruby

 

get your sar request off asap

send with a 10 quid postel order to

 

welcome financial services lts

compliance

ruddington fields biz park

ruddington

nottingham

ng11 6nz

 

send by recorded delievery and print, never sign your name

 

 

ref loans and dca

 

a dca can collect on behalf of a creditor for commission but cant take any legal action and has no authority if you say bog off

if an account has been assigned to a dca and terminated without a default notice

poor, poor, dca

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hi ruby

 

get your sar request off asap

send with a 10 quid postel order to

 

welcome financial services lts

compliance

ruddington fields biz park

ruddington

nottingham

ng11 6nz

 

send by recorded delievery and print, never sign your name

 

 

ref loans and dca

 

a dca can collect on behalf of a creditor for commission but cant take any legal action and has no authority if you say bog off

if an account has been assigned to a dca and terminated without a default notice

poor, poor, dca

 

CCA and SAR to go off once I've got some cleared funds, but should be done by the weekend.

 

As for Provi sending me to DCA - poor them - cos the account is showing as satisfactory on my credit rating - time for a new thread me thinks!

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Thanks for info - going to request both, as having gone through my documents I don't know how many times the past few days, I still do not have page 1 of that credit agreement - just 2-5 which makes me very suspicious. Am I right to write to solicitor to tell them what I'm doing or should I just ignore them right now? Also if I dispute this now with Welcome can I get Credit Expert to do anything to my credit report - mark it as in dispute or something? Sorry for all the questions, just want to make sure I'm doing what I should and not doing what I shouldn't!

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tell the sols that you have requested from welcome, enclose a copy of the recorded delievery number, a cca request and a sar request,

tell them that the account is now in dispute until compliance.

as a rule, welcome will not go into default till after 14 days but i would think the sols will back off

 

welcome were very lax on the agreements

 

now you have subscribed to the credit agencies, you can put a notice of correction on your credit files but in reality it makes no difference as most credit applications are scored by computer with no manual input

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  • 1 month later...

I still haven't got round to sorting this yet, as I've been ill for a few weeks, but I thought this letter from the Lewis Group that I received recently was hilarious and I quote:

 

"You have been selected to receive an amazing offer regarding your outstanding debt of £**** with Welcome Financial Services.

 

The offer is simple; call me to discuss a reduction of the amount to be paid and pay the agreed amount in full to us by 17th ***, 2009 and our client will clear the remaining balance for you. (I'll leave out rest of blurb here)

 

Why pay? By taking up this fantastic offer with us now, you WILL save a significant sum. This is a genuine offer, which will be extremely advantageous to you.

 

Telephone NOW and quote your priority reference number to take advantage of this once-only offer; dedicated staff blah blah...Don't worry if you haven't got a debit or credit card, please call us, we will be happy to discuss other ways to pay."

 

Anyone would think this was an offer of a cruise the way they go on! Anyone else had one of these?!

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  • 3 weeks later...

hi. i was just reading the comment about having the blue and yellow copies of the hire purchase agreement...well i only have a white badly photocopied one which the garage that we collected the car from gave us, its obvuisly a photocopy of the origianl agreement as its definately my signature on it and i remember going into the office propir to colelcting the car to sign but they enver gave me a copy there and then.......where do i stand in this, im trying to get welcome to accept they sold us a dodgy car......this has been gonig on a year now :-x

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